What is Direct Billing for Dental Insurance?
Direct billing is a convenient method for handling insurance payments to your dentist. We are pleased to provide direct billing at Fraserview Dentist.
If you have dental insurance and plan to visit us, we’ll be happy to help you find out if it’s supported by your insurance provider and what’s needed for you to take advantage of this option.
How Direct Billing Works
Direct billing is as easy as it sounds. Fraserview Dentist uses direct billing, and we will submit the bill for your services directly to your insurer rather than bill you. We then handle all the paperwork that’s needed to receive reimbursement from your insurance company. Direct billing is greatly preferred by patients because it means they have little to no contact with the insurance company while we handle all the legwork.
What You Need to Pay For
Direct billing doesn’t always mean that you can walk out of the dental office without paying a dime. It simply means that you’re not being asked to pay your insurance company’s portion of the bill. Depending on your insurance plan, you may have a co-pay to take care of at the time of service. This is typically a modest payment rendered for basic care. If you’re having significant dental work done, you should always ask us for a detailed quote which we can approve with your insurance provider before you make your appointment. Most dental insurers offer only partial coverage for restorative care and your insurance company will still ask that you pay your share of the cost. Depending on the work that’s being done, this could come out to a hefty sum, whether that share is 20 percent, 80 percent, or something else. Before your appointment, our staff can complete a predetermination so that you’ll know what you’ll have to pay at the end of your visit.
Alternatives to Direct Billing
If your insurance company doesn’t offer direct billing, you will be asked to pay for the entire cost of your services at the time of your appointment. Again, it is important to get an accurate estimate for the work to be done just to make sure you’re prepared for this expense. Major restorative care can easily cost hundreds of dollars, which could be difficult to cover if you’re paying the entire bill upfront.
After paying the bill, you then will submit it to your insurance company. The insurance provider should then reimburse you for the portion that it’s responsible for. In the case of standard preventive care, you may be reimbursed for the total cost. You can ask us to check with your insurance provider before making your appointment to find out what services it will and won’t cover.